After Christmas spending, it’s time to save money. But there you go, you still need to know where to invest, especially when you are not a financial expert. With its 100% online solution, Goodvest offers you investments adapted to your objectives, even if you only have 300 euros to save.
With inflation of 3.4% at the end of November 2023, the booklet barely lines up to be really interesting. Much more diversified and dynamic, life insurance is attracting more and more French people keen to boost their financial returns. And contrary to popular belief, it is not necessary to have a fortune to invest or even to be a financial expert to get started.
Determined to make responsible investment accessible to all, fintech Goodvest markets life insurance and a PER (Retirement Savings Plan). Its 100% online solution is easy to use and manages all of your investments for you according to your needs. The company even allows you to make a gesture for the planet, all of its investments being labeled sustainable and aligned with the 2015 Paris Agreement on ecological transition.
As a bonus, Goodvest offers you up to 500 euros discount on management fees with the code NUMERAMA.
Fully customizable placements
Beyond offering you up to five different risk levels for your investments (cautious, moderate, voluntary, ambitious and audacious), Goodvest allows you to choose in which sectors to invest.
Ecological transition, climate, employment and solidarity, health, preservation of forests, or even in favor of emerging countries, the choice is vast. In all cases, all of the financial products suggested by Goodvest are labeled sustainable and automatically exclude all companies using fossil fuels, promoting arms, tobacco, or more generally all those that violate the United Nations pact. . Enough to boost your investments while thinking about the planet.
In addition to offering a wide range of life insurance and PER investments, fintech is showing good performance. Moreover, although Goodvest was created in 2021, the company only offers you funds that have existed for more than 10 years, which allows you to have a good perspective on their level of performance.
From 2010 to 2023, its most conservative investments show an average annual return of 2.34%, a rate which rises to 7.04% for the most dynamic supports. For comparison, the Livret A fell to 0.50% over this period, and has only been at 3% since February 2023.
However, it is important to keep in mind that past performance is no guarantee of future performance and that all investment vehicles present a risk, even minimal, of loss of capital.
An offer suitable for everyone, including the most novice
Although Goodvest’s offering is particularly diversified, you don’t need to be a finance specialist to get started. No particular skills in the field are required and everything happens online, from the company’s website.
Thanks to the integrated simulation tool, in just a few clicks you obtain a personalized proposal, in line with your investment objectives and the desired level of risk. In addition, unlike many banks and insurance companies, fintech does not require you to invest a huge amount of capital to get started. 300 euros are enough to open a life insurance contract or a PER.
Once you have subscribed to the investment, you have nothing more to do. Goodvest experts take care of managing your investments for you and rebalancing portfolios when necessary. As a bonus, the fintech does not charge any entry, payout, arbitrage or withdrawal fees. Only management fees are levied, and do not exceed 1.9% for life insurance, as well as 1.7% for PER. For all these reasons, Goodvest is one of the most competitive investment companies around.
In addition, Goodvest offers you up to 500 euros discount on your management fees by indicating the promo code NUMERAMA.
Your cash available quickly if needed
Are you worried about seeing your funds blocked? Contrary to popular belief, you can unblock all or part of your life insurance contract at any time, in just 72 hours, whatever the reason. Despite everything, it is highly recommended to leave your funds invested for the long term in order to optimize your returns and compensate for market variations. Additionally, after 8 years, the interest on the funds you withdraw is much less subject to tax. All the more reason not to remove them too quickly, unless absolutely necessary.
For the PER, the operation is somewhat different. Aimed to help you prepare for your retirement, only certain situations allow you to release your capital, such as the purchase of your main residence. But in return, the PER gives the right to certain advantages, such as a reduction in the tax base for each payment made. Hence its growing appeal among many French people.
With its expanded offering and its 100% online solution, Goodvest allows you to effectively and easily boost your savings. And even though its tool is very intuitive, advisors are available to answer all your questions.
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